HeartBeat Fall 2015 | Page 15

Pasture, Rangeland and Forage Insurance The Pasture, Rangeland and Forage (PRF) Insurance program is a risk management tool provided by the federal MPCI program. Contact your FCS agent for more information on how this program can provide risk management for forage and pasture in your operation. The 2016 deadline to apply for coverage is November 15, 2015. Prevent Plant/Cover Crops Prevent Plant ground must remain idle until November 1, excluding the planting of Winter wheat. However, an approved cover crop may be planted after the Final Plant Date. If you filed Prevent Plant on any of your crops in 2015, please contact your agent prior to planting any crops on the prevent plant ground. If you have planted a cover crop in 2015, visit with your agent about your options. HAVE YOU HAD A LIFE INSURANCE CHECK-UP LATELY? If someone depends on you financially, chances are you need life insurance. Has there been any specific life stages or life events in your family that might trigger the need for reviewing or purchasing life insurance over the past few months or year? • • • • Married or getting married Single Just became a new home owner or bought a farm Retired or planning for retirement • • • • A parent or about to become one Changing jobs You’re now involved in a family partnership or corporation You’ve taken on additional debt Use this equation to figure out how much life insurance you need. Current and future financial obligations (Minus) Existing resources including survivors’ earnings, savings, investments and life Insurance you already own (Equals) Life Insurance Needed It’s free. Call today. Contact our office today to arrange for a free Life Insurance Needs Assessment through FCS Life Express and our relationship with First Resource Group. HEARTBEAT | FALL 2015 15